Exchange Bank
Exchange Bank reported total assets of $3.2 bn at Q2 2026, down 2.6% from a year earlier. That ranks 397th among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 18.98%, and an estimated 25.88% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Uninsured share of domestic deposits: up 0.74 pp on Q1 2026, to 25.88%
- Total deposits: down 3.1% on Q1 2026, to $2.8 bn
- Total assets: down 2.5% on Q1 2026, to $3.2 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Exchange Bank?
Against its six size peers, its loan-to-deposit ratio stands out most: 62.68% at Q2 2026, below the peer median of 95.40%. By noncurrent loans to total loans it moved from 329th to 218th among 500 banks between Q1 2026 and Q2 2026 (1 = lowest).
How large is Exchange Bank?
At Q2 2026 the bank held $3.2 bn of assets. Deposits were $2.8 bn and net loans and leases $1.7 bn, a loan-to-deposit ratio of 62.68%. Securities of $1.1 bn made up 35.4% of assets.
Total assets rose 54.2% between Q1 2016 and Q2 2026, from $2.1 bn.
How much of its funding is uninsured?
An estimated 25.88% of domestic deposits were above the FDIC insurance limit at Q2 2026, +0.74 pp from the previous quarter and +1.60 pp from a year earlier. That share ranks 368th among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $3.2 bn | -2.6% | 397th of 497 |
| Total deposits | $2.8 bn | -4.2% | 384th of 499 |
| Net loans and leases | $1.7 bn | +7.7% | 472nd of 500 |
| Bank equity capital | $355.4 mn | +12.3% | 392nd of 498 |
| Common equity tier 1 (CET1) ratio | 18.98% | +0.40 pp | 36th of 448 |
| Tier 1 leverage ratio | 12.64% | +0.97 pp | 72nd of 500 |
| Return on equity (ROE) | 8.44% | -0.01 pp | 403rd of 500 |
| Net interest margin | 3.24% | +0.37 pp | 362nd of 500 |
| Uninsured share of domestic deposits | 25.88% | +1.60 pp | 368th of 500 |
| Noncurrent loans to total loans | 0.55% | +0.23 pp | 218th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.52% | +0.47 pp | 442nd of 500 (1 = lowest) |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026.
- Total assets $3.2bn
- Deposits $2.8bn
- Net loans $1.7bn
Capital and securities
The common equity tier 1 (CET1) ratio was 18.98% at Q2 2026, +0.40 pp from a year earlier. Since Q1 2016 it has ranged from 11.44% (Q4 2016) to 20.23% (Q4 2021). At Q2 2026 the tier 1 leverage ratio was 12.64% and the total risk-based capital ratio 20.23%. The median CET1 ratio of the size peers listed below was 15.85% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $80.4 mn at Q2 2026; the loss narrowed by $22.4 mn from a year earlier.
Capital ratios
- Total capital 20%
- CET1 19%
- Tier 1 leverage 13%
Unrealized gains and losses on securities
- Available for sale -$80mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 8.44% for the year to Q2 2026, annualized, with a return on assets of 0.91% and a net interest margin of 3.24%. The margin was +0.37 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 67.31%. Net income for the year to Q2 2026 was $14.8 mn, up 17.0% on the same period a year earlier. The median return on equity of its size peers was 13.59% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.55% of total loans at Q2 2026. Net charge-offs for the year to date were 0.52% of average loans, annualized.
Profitability
- Return on equity 8.4%
- Net interest margin 3.2%
- Return on assets 0.9%
Compared with banks of similar size
The six banks ranked closest to Exchange Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Exchange Bank is 4th by total assets. Its CET1 ratio of 18.98% compares with a peer median of 15.85%, its tier 1 leverage ratio of 12.64% compares with a peer median of 11.38%, and its return on equity of 8.44% compares with a peer median of 13.59%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Academy Bank | $3.2 bn | 17.02% | 7.40% | 32.49% | |
| North American Savings Bank, F.S.B. | $3.2 bn | 17.49% | 9.28% | 10.75% | |
| First Citizens Community Bank | $3.2 bn | not reported | 12.32% | 46.35% | |
| Exchange Bank | $3.2 bn | 18.98% | 8.44% | 25.88% | |
| Bank of Greene | $3.2 bn | 15.85% | 15.59% | 14.68% | |
| Unity Bank | $3.2 bn | 14.27% | 16.24% | 42.06% | |
| First National Bank | $3.2 bn | 13.05% | 14.86% | 17.20% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 15.85%, return on equity 13.59%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Exchange Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets fell 6.6% to $3.2 bn, deposits fell 2.4% to $2.8 bn and bank equity capital rose 20.9% to $355.4 mn. Over the same period its full-time equivalent staff went from 358 to 354 and its offices went from 21 to 21.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.4 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.2 bn |
| Total deposits | $2.8 bn | $2.8 bn | $2.9 bn | $2.9 bn | $2.9 bn | $2.9 bn | $2.8 bn | $2.8 bn |
| Bank equity capital | $293.9 mn | $280.8 mn | $301.1 mn | $316.4 mn | $332.7 mn | $346.7 mn | $350.1 mn | $355.4 mn |
| Common equity tier 1 (CET1) ratio | 18.17% | 17.93% | 18.55% | 18.58% | 18.20% | 18.46% | 18.70% | 18.98% |
| Return on equity (ROE) | 7.58% | 8.90% | 7.72% | 8.45% | 9.19% | 9.50% | 8.62% | 8.44% |
| Uninsured share of domestic deposits | 24.10% | 24.14% | 24.52% | 24.28% | 24.40% | 26.42% | 25.14% | 25.88% |
| Full-time equivalent employees | 358 | 363 | 356 | 354 | 351 | 358 | 359 | 354 |
| Number of offices | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
The FDIC history records no mergers or acquisitions for Exchange Bank since Q1 2016, and its total assets never moved more than 25% in one quarter.
Identifiers and sources
- FDIC certificate
- 8468
- Federal Reserve RSSD ID
- 507068
- Head office
- Santa Rosa, California
- Holding company
- FRANK P DOYLE TRUST ARTICLE IX (as reported to the FDIC)
- Holding company RSSD ID
- 1025998
- EconoMonitor ID
- EMB-US-000492
Frequently asked questions
What were Exchange Bank's total assets?
$3.2 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 397th among 497 banks reporting this metric (1 = highest).
Is Exchange Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 8468). Its holding company, FRANK P DOYLE TRUST ARTICLE IX (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Exchange Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 8468, and in the Call Reports filed under RSSD ID 507068 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.